Cristina Waugh, CDFA®

How do you like to spend your time outside of work?

I enjoy spending time with my family, traveling, or reading a good book.

What life skills do you think should be taught in school?

Financial literacy. For example, how to open a bank account, what interest rates mean and how to invest.

What destination is at the tip of your travel wish list?

Bora Bora

Cristina grew up in Cincinnati and earned a Bachelor of Science in Human Development and Family Science from The Ohio State University, followed by a Master’s Degree in Education from Mount St. Joseph University. Cristina began her career as a Special Education teacher in Cincinnati before spending two years living in Sydney, Australia with her husband. The couple later relocated to Austin, Texas, where Cristina spent seven years as a stay-at-home mom to her three children.

In 2020, their family moved back to Cincinnati, where Cristina returned to the workforce and joined her father at his independent firm, Chuck Cole Financial. There, she earned her Life, Accident, and Health insurance license as well as the SIE, Series 7, and Series 66 securities licenses.

Cristina discovered a passion for helping individuals and families better understand their financial options and create plans that support their long-term goals. After her father semi-retired in 2025, Cristina joined the RFG Family.

Cristina lives in West Chester, Ohio with her husband, Adam, and their three children—Emmett, Isla, and Nora. Their family stays active with a wide range of sports and activities.

Divorce Financial Specialist

Cristina also works with individuals navigating the financial complexities of divorce. As a Divorce Financial Specialist, she helps clients understand the financial implications of key decisions before, during, and after the divorce process.

Her work focuses on areas such as asset division, retirement account considerations, budgeting for post-divorce life, and long-term financial planning. Cristina collaborates with attorneys, mediators, and other professionals to help ensure financial decisions are made with clarity and confidence.

By translating complex financial information into practical guidance, Cristina helps clients move forward with a clear plan and greater financial stability during an often-challenging life transition.

Check the background of this professional investment on FINRA’s BrokerCheck.